Silvio Tavares

President, Board and Chief Executive Officer

CardLinx Association

Silvio Tavares is an accomplished CEO, senior executive and thought
leader with over 15 years of experience in the digital commerce and
payments industry. He is currently the President of the board and CEO
of The CardLinx Association, the leading global standards and
interoperability organization for the payments and digital advertising
industries. CardLinx founding members include MasterCard, Discover,
First Data, Facebook and Microsoft among others. Prior to CardLinx,
Silvio was SVP and Global Head of Information Products at Visa Inc. He
led a business unit generating several hundred million dollars in annual
sales and successfully launched key new industry leading products in
the areas of payment fraud detection, digital marketing and merchant
loyalty. He joined Visa from First Data, the leading payments processor
where he was Senior Vice President and Global Head of Information
and Analytics. At First Data, he patented and launched SpendTrend™,
First Data's U.S. macro-economic spending indicator.

An engineer by training, Silvio began his career at AT&T where he
authored one of the earliest business method patents for web-based
payments. His professional path also included senior level positions at
ABN AMRO Investment Bank in London, where he was Director and
Head of Financial Technology Investment Banking and an attorney at
Shearman & Sterling where he practiced corporate finance and M&A
law. An innovator throughout his career, Silvio has authored over
fifteen granted or pending patents in the fields of digital commerce,
electronic payments and payments analytics.

Silvio earned a Juris Doctor degree from the Boston University School
of Law (Oxford University Program), an MBA from Boston College and
a Bachelor of Science Degree in Electrical and Computer Engineering
from Tufts University. He serves on the board of directors of CPI Card
Group (NASDAQ: PMTS), a leading US provider of payment and EMV
chip cards. Silvio speaks fluent French, Portuguese, Spanish and
conversational Korean.

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